Personal loans in Montello, WI

For the 1,449 people in Montello, Wisconsin runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Census estimates 1,449 residents in Montello, which ranks it 308th of 605 places in Wisconsin. Personal loans in Montello are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,449 population. Montello gained roughly 0.1% in population across the 2020-to-2023 comparison. Pull your credit reports and line up at least three offers before you apply from Montello. The closest larger place is Pardeeville, WI about 18 miles away.

What the Census records for Montello

Here is the sourced Census picture for Montello, plus the Wisconsin lending rules that apply to a loan taken out here.

What a Montello borrower is actually offered

With roughly 1,449 residents, Montello is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Montello's 1,449 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Montello loan but raises total interest, so the smallest payment is not the cheapest loan.

Montello on the map

Inside Montello's boundaries lie roughly 2.0 square miles of land and 0.24 square miles of water. With 1,449 residents, the land area yields roughly 739 people per square mile. For the state's biggest city, Milwaukee, the distance is roughly 85 miles. Montello has 53 larger places within a 50-mile radius. Within the same 50 miles lie 59 smaller Census places.

Montello's place among Wisconsin's 605 places

Set beside Wisconsin's 605 places, Montello ranks 308th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Montello stands 253rd among Wisconsin's 605 places — roughly the 58th percentile. By density, at about 739 people per square mile, it ranks 321st in Wisconsin. In land area, Montello ranks 329th among Wisconsin's 605 places.

The Wisconsin lending rules that reach Montello

Below are the Wisconsin rules that apply to a loan made in Montello, each with the regulator that issued it.

RuleDetailSource
State lending regulatorWisconsin Department of Financial Institutions (DFI), Division of Banking
Source says: "Department" means the department of financial institutions
Wisconsin State Legislature
as of 2026-09-16
Small-loan / installment lender licensingLicensed lender license required from the Division of Banking (Wis. Stat. § 138.09)
Source says: Before any person may do business under this section, that person shall first obtain a license from the division.
Wisconsin State Legislature
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per year maximum ($12 per $100) on the declining principal balance, except as authorized by other statutes (Wis. Stat. § 138.05(1)(a))
Source says: At the rate of $12 upon $100 for one year computed upon the declining principal balance of the loan or forbearance
Wisconsin State Legislature
as of 2026-09-16

Getting a loan in Montello

At roughly 739 people per square mile, Montello is moderately settled; 53 larger places lie within 50 miles. What is available to Montello's 1,449 borrowers is set by Wisconsin licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Pardeeville, WI about 18 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Montello if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Montello is the same as anywhere in Wisconsin.
What loan size can I expect in Montello?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Montello?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Montello cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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